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Torpedopay empowers the small and medium business to have a Mobile POS App, which can send the invoice total charge by SMS to the consumer and, by answering "Yes” to the SMS, the checkout is made. Seconds later, both parties receive a confirmation of the transaction. The consumer does not need to download any mobile application. Further implementations will enable merchant to send discount codes through SMS to their registered consumers, so users can answer checkout SMS with the cupom code to get the discount instantly with the purchase.